| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUR M CONSULTING INC.3 | 101 BRADFORD ROAD STE 100 WEXFORD, PA 15090 | HIGHMARK, INC. | $47K | — | $47K | 2.80% |
| FOUR M CONSULTING INC.3 | 101 BRADFORD ROAD STE 100 WEXFORD, PA 15090 | HIGHMARK, INC. | $15K | — | $15K | 2.79% |
| FOUR M CONSULTING INC.3 | 12925 PERRY HWY WEXFORD, PA 15090 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | — | $4K | 10.17% |
| FOUR M CONSULTING INC.3 | 12925 PERRY HWY WEXFORD, PA 15090 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 10.27% |
| FOUR M CONSULTING INC.3 | 12925 PERRY HWY WEXFORD, PA 15090 | AMERITAS LIFE INSURANCE CORP. | $99 | — | $99 | 1.25% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 362 | $1.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 457 | $7K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 492 | $8K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 251 | $43K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 251 | $31K |
| Prescription drug | HIGHMARK, INC. | 362 | $541K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 251 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.